480 SE Ely St, Oak Harbor, WA 98277 Property Records

Island County property record for 480 SE Ely St, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,654 sqft · built 1954
Lot Size	0.262 acres (11,413 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (May 2026)
Tax Bill	$4,262 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S7690-01-00001-0`

Property Details

APN / Parcel Number

Primary APN	`S7690-01-00001-0`
Alternative APN	`345745`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,654 sqft Living Area
Gross Area	1,966 sqft
1st Floor Area	1,654 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1990
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	11,413 sqft (0.262 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	76 sqft
Storage Building	100 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	480 SE ELY ST
City	OAK HARBOR
State	WA
Zip	98277-3750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	PATTONS 1ST ADD LOT 1
Legal Subdivision	PATTONS 1ST ADD
Legal Lot Number	1
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1007
Census Tract	970700

Owner

480 SE Ely St is owned and occupied by an individual who bought it in May 2026.

Source: Island County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	480 SE ELY ST, OAK HARBOR, WA 98277-3750
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
May 12, 2026	Quit Claim Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
May 12, 2026	Quit Claim Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Jul 16, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Jul 13, 2018	Grant Deed, Transfer · Conventional with PMI BOEING EMPS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2026 · Amount on File
Deed Sale	May 12, 2026 · Amount on File
Prior Sale	Jul 16, 2021 · Amount on File
Deed Document Number	20264600515
Prior Transfer Date	Apr 8, 2026
Prior Transfer Doc	0004600514
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	May 12, 2026
Property Address	480 SE ELY ST, OAK HARBOR, WA 98277-3750
Document Number	0004600515
Instrument Date	Apr 21, 2026
Instrument	2026.4600515
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$848,905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	480 SE ELY ST, OAK HARBOR, WA 98277-3750

Mortgage

Document Number	0004600518,
Date	May 12, 2026
Instrument	2026.4600518

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	May 12, 2026
Property Address	480 SE ELY ST, OAK HARBOR, WA 98277-3750
Document Number	0004600517
Instrument Date	Apr 21, 2026
Instrument	20264600517
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$1,010.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	480 SE ELY ST, OAK HARBOR, WA 98277-3750

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	May 12, 2026
Property Address	480 SE ELY ST, OAK HARBOR, WA 98277-3750
Document Number	0004600514
Instrument Date	Apr 8, 2026
Instrument	20264600514
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$1,010.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	214 FOX GLEN DR, NAPLES, FL 34104-5165

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jul 16, 2021
Property Address	480 SE ELY ST, OAK HARBOR, WA 98277-3750
Document Number	0004524517
Map Reference	VOL 4 PG 57
Instrument Date	Jul 13, 2021
Instrument	4524517
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,205.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 SE ELY ST, OAK HARBOR, WA 98277-3750

Mortgage

Document Number	0004524518
Date	Jul 16, 2021
Instrument	4524518

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Mortgage

Document Number	0004524519
Date	Jul 16, 2021
Instrument	4524519

Lender

Name	WASHINGTON STATE HOUSING FIN COMMISSION
Type	Government Agency
Address	SEATTLE, WA 98104

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ISLAND WA
Recording Date	Jul 13, 2018
Property Address	480 SE ELY ST, OAK HARBOR, WA 98277-3750
Document Number	0004447977
Instrument Date	Jul 9, 2018
Instrument	4447977
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	PREMIER TITLE/ISLAND COUNTY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,620.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 SE ELY ST OAK HARBOR WA 982773750, OAK HARBOR, WA 98277-3750

Mortgage

Document Number	4447978
Date	Jul 13, 2018
Instrument	4447978

Lender

Name	BOEING EMPS CU
Type	Credit Union
Address	TUKWILA, WA 98168

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 480 SE Ely St was $4,262, up 9.3% from the year before.

Source: Island County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Municipality	Oak Harbor City
Unified School District	Oak Harbor School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,262.00 (+9.25%)
2025	$3,901.00	$466,271 Land $180,000 Building $286,271	$466,271 Land $180,000 Building $286,271
2023	$3,877.00	$467,252 (+8.04%) Land $170,000 Building $297,252	$467,252 (+8.04%) Land $170,000 Building $297,252
2022		$432,479 Land $160,000 Building $272,479	$432,479 Land $160,000 Building $272,479

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 480 SE Ely St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 26, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 480 SE Ely St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF OAK HARBOR serves 23,675 people · EPA ID WA5362650
Water Source	Purchased surface water from CITY OF ANACORTES
Last State Inspection	Jul 2022
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, Ziply Fiber.

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